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“三农”问题是关系到我国目前经济持续增长,深化改革,减小贫富差距,全面建设小康社会的重点问题。其中农村的城镇化建设成为解决“三农”问题的一个有效方法。进行城镇化建设,需要促进农村工业等非农产业的发展。而农村中小企业恰好能够满足这一要求。然而在农村中小企业自身的发展、壮大中,融资难已经成为最严重的障碍。虽然受到政策、环境等影响,但是究其根本,融资难的本质原因却是农村产权流转的问题。农村土地使用权的禁止流转为企业进行抵押贷款造成了困难。因此完善和改进我国农村土地流转制度,达到资源的有效配置才是解决农村中小企业融资难问题的治本之道。
The issue of “agriculture, rural areas and farmers” is a key issue that has an impact on the current sustained economic growth in our country, deepening the reform, reducing the gap between the rich and the poor, and building an overall well-to-do society. Among them, the urbanization in rural areas has become an effective solution to the “three rural issues.” To carry out urbanization, we need to promote the development of rural industries and other non-agricultural industries. Rural SMEs happen to be able to meet this requirement. However, in the development and expansion of rural SMEs, financing difficulties have become the most serious obstacles. Although influenced by the policies and the environment, the essential reason for the fundamental problem of financing is the problem of the transfer of property rights in rural areas. The prohibition of the transfer of rural land use rights has created difficulties for enterprises to make mortgages. Therefore, improving and improving China's rural land transfer system, to achieve the effective allocation of resources is to solve the problem of financing of rural small and medium-sized enterprises, the root cause of the problem.